Ownership

Ownership

Affordable home ownership

There are a number of schemes to promote low-cost or affordable home ownership.

Affordable housing was defined by the Ministry of Housing, Communities & Local Government (MHCLG) as 'homes provided to eligible households whose needs are not met by the market' and this can include low-cost home ownership schemes.

‘Affordable housing’ for planning purposes is defined in the glossary of the National Planning Policy Framework (NPPF) as ‘housing for sale or rent for households whose needs are not met by the market’ and ‘social housing’ is defined by sections 68–70 of the Housing and Regeneration Act 2008 as ‘low-cost rental and low-cost home ownership accommodation’.

In order to qualify as low-cost home ownership accommodation, the following two conditions need to be satisfied:

•
Condition one—the accommodation is occupied, or made available for occupation, in accordance with:
1. ◦
  discounted market sales housing

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